Repairing Your Credit Report After an Identity Theft

It is really frustrating on your part having your identity stolen since it will take you so much time and effort to recover. Identity theft is a financial crime that damages your credit report and score as a result of unauthorized charges opened in your name. In order for you to clear out your name, you have to act immediately and remain calm throughout the process. If you will be able to identify the errors and dispute them immediately, it will be easier for you to clean up your name. Still, the process of repairing your credit report and score will take time to be fixed.

When you get a list of your credit report and scores, you should look thoroughly over the inaccuracies made and report it immediately to the Credit Bureau so that it will be fixed as soon as possible. You need to have a credit report repair to clean up the mess that was done to your credit report and scores.

For you to report each inaccuracies, you will have to write a dispute letter to the credit reporting company explaining the errors made in your credit report and scores. Together with the dispute letter, you need to include a copy of your credit report and scores highlighting the errors and any documentation that can support your claim. You also need to include a copy of the police report filed for the case. Furthermore, you need to inform the financial institutions involved in the dispute so that they will get acquainted with the situation. You should send all of the collected information through certified mail in order for you to get tracking numbers. Make sure to keep all the necessary documents and listed of discussions for future references.

Since this will take a great deal of time to fix your credit report and scores, you should be patient enough throughout the process.